In exchange for periodic payments (premiums), life insurance provides financial compensation to a designated person or persons (beneficiaries) if the insured person dies.
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Hearing loss can affect a person’s life, work, and relationships. Hearing aids and cochlear implants can amplify sounds and make them easier for people to hear.
This article explores the difference between cochlear implants and hearing aids, what to consider before buying these devices, several products a person might want to consider, and why hearing tests are important.
Hearing aids comprise three parts:
a microphone, which receives and converts sound waves into electrical signals an amplifier, which magnifies the sound a speaker, which sends the amplified sound into the person’s ear
Most hearing aids feature different sound profiles suitable for multiple sound environments, such as a quiet room and a busy stadium.
There are multiple styles of hearing aids, including behind-the-ear (BTE), completely-in-canal, and receiver-in-ear. Some of these styles may be more suitable for different degrees of hearing loss.
These devices bypass the inner ear to stimulate the auditory nerve directly, giving a sensation of sound for those with profound hearing loss.
However, cochlear implants are only suitable for those with sensorineural hearing loss. This form of hearing loss results from damage to the hair cells in the inner ear, the brain’s central processing centers, or the vestibulocochlear nerve. Some
Some cochlear implants, such as hybrid models, are suitable for people with residual hearing. These hybrid devices can help preserve hearing for these individuals, with
Cochlear implants feature four main parts: a microphone that picks up sound and sends it to a speech processor, which a transmitter and receiver pick up and convert into electric impulses. An electrode array then collects this information and sends them to the auditory nerve.
One of the largest differences between hearing aids and cochlear implants is that individuals can easily take off their hearing aids, whereas cochlear implants are permanently attached. Most individuals will undergo outpatient surgery to have a cochlear implant. However, children and those with underlying health conditions need inpatient surgery.
Hearing aids are more suitable for those with mild-to-severe hearing loss, whereas cochlear implants are more suited for those with profound hearing loss. While hearing aids amplify sounds, cochlear implants provide a sense of sound. An audiologist can recommend which device is more suitable depending on an individual’s type of hearing loss.
Cochlear implants
Additionally, the
Individuals will need extra support after having a cochlear implant. Speech-language pathologists and audiologists can help people interpret the signals that cochlear implants send.
The
However, not all health insurance plans cover the costs of hearing aids. Medicaid covers hearing aids for children and young adults
Cochlear implants are not available to purchase online. Individuals can make an appointment with an audiologist or otolaryngologist to determine whether they are eligible for these devices.
Hearing aids and cochlear implants are medical devices — a doctor or audiologist can suggest which product is more suitable for an individual’s requirements.
Once an audiologist has made their recommendation, there are several factors to consider when choosing a hearing aid or cochlear implant.
People purchasing a hearing aid may wish to consider whether the device has:
different sound profiles and programs Bluetooth or wireless compatibility rechargeable or nonrechargeable batteries compatible hearing aid apps warranties, refunds, and guarantees a suitable hearing aid style digital noise reduction and feedback suppression synchronization features if an individual has two hearing aids directional microphone systems
If an audiologist recommends a cochlear implant, individuals may wish to consider whether the cochlear implant has:
upgradable, programmable, and future-proof technology water-resistance or waterproof capabilities rechargeable or nonrechargeable batteries a long expected life span warranties and guarantees features that are compatible with their lifestyle requirements, such as suitability during sports easily available replacement parts pre- and post-implantation support
Additionally, cochlear implant users may wish to consider the availability of rehabilitation or support groups and online communities that can advise newer users on how to adapt to the device.
Several brands manufacture hearing aids and cochlear implants. Some hearing aids are available to buy online, and others are only available through an audiologist. Individuals cannot purchase cochlear implants online.
Below is a list of hearing aids suitable for varying levels of hearing loss. It also includes a selection of cochlear implants that an audiologist can recommend to those who need them.
Please note that the writer of this article has not tried these products. All information presented is purely research-based.
These BTE hearing aids come in pairs and are suitable for those with mild-to-moderate hearing loss. A person can also customize the devices through the Lively app and use it to contact a Lively audiologist.
Additionally, these aids feature: availability in rechargeable and nonrechargeable battery variants Bluetooth connectivity, allowing people to answer calls and stream music with them a 100-day money-back guarantee a 3-year repair warranty and 3-year coverage for loss and damage
These BTE hearing aids are rechargeable, water-resistant, and suitable for those with mild-to-moderately severe hearing loss.
The company states that hearing aid users who wear glasses will not need to buy any accessories with the Volt, as this device is thin enough for eyeglasses to sit on the ear comfortably. People can also buy a single hearing aid or a pair and apply for a 12-month payment plan.
The MDHearingAid Volt also features:
bi-directional microphones four program settings noise and feedback cancellation free shipping a 45-day risk-free guarantee
This BTE device is suitable for those with mild-to-severe hearing loss. Additionally, people can purchase other accessories compatible with their hearing aids, such as phone and TV adapters and remote controls. It is only available through an audiologist.
The Opn S miniRITE T features:
a sleek and almost invisible design a telecoil function, which offers a better sound experience in public places with looping systems push button volume control
With the Nucleus 7 processor cochlear implant, individuals can choose from several additional features, including different wireless hearing capabilities, a mini microphone, a phone clip, and TV streamer. It comes with a disposable battery, two rechargeable batteries, a charger, and other accessories such as a carrying case.
The Nucleus 7 also features:
a highly customizable design water resistance a choice of power options, such as rechargeable batteries and USB or Y charger a 5-year warranty
This device automatically senses and adapts to every situation using wireless connectivity. Individuals can stream TV audio and phone calls directly into the ears.
Additionally, the Naida CI Marvel features:
water resistance background noise reduction for hearing clarity availability in a range of colors
Advanced Bionics offers an online rehabilitation portal to offer extra support for cochlear implant users. There is also an online program where people can practice listening to different sounds from home. The 10-year warranty that the company offers may vary depending on regional regulations.
Hearing exams are an important part of protecting hearing health, and individuals should have regular hearing checkups. The
family and friends say that the person has difficulty hearing a person has past exposure to a loud noise a person is experiencing changes with their hearing
Loud noises can cause hearing loss. The following signs and symptoms may indicate hearing loss from noise exposure:
tinnitus, a ringing in the ears muffled speech and other sounds difficulty understanding conversations over the phone or in noisy places asking people to repeat, speak louder, or speak in a slow, clear manner sensitivity to sound
The United Kingdom National Health Service (NHS) recommends that people follow these measures to protect their hearing:
wearing hearing protection if they are around loud noises reducing the volume while wearing earphones and headphones staying away from loud noises when possible
Both hearing aids and cochlear implants are helpful for people with hearing loss. While hearing aids may be more suitable for those with mild-to-moderate hearing loss, cochlear implants are appropriate for those with profound hearing loss or who are severely hard of hearing.
People should consider their level of hearing loss and lifestyle requirements when purchasing a hearing device. Some hearing aids are available to buy online, and others are only available through an audiologist. Individuals cannot purchase cochlear implants online and need an appointment with an audiologist or otolaryngologist to determine if these devices are suitable for them.


The global clinical decision support system market size is projected to reach $3,386.0 million by 2030, advancing at a CAGR of 8.6% during 2021–2030. This can be mainly attributed to the increase in the deployment of big data tools and mobile health and the rise in the adoption of CDSS-enabled EHRs.
In addition, several government organizations are providing support, in the form of funding and initiatives, for the implementation of digital health technologies, including CDSS, which is projected to increase the domain size in the upcoming period. For instance, in 2020, the EU signed a declaration to establish an eHealth common area, allowing free movement of EHRs across Europe.
The integrated CDSS solution bifurcation held the larger CDSS market revenue share, around 70%, in 2021, and it is expected to register a higher CAGR in the forecast period. This is ascribed to the high demand for quality healthcare as well as reliable integrated technical solutions. In addition, the incorporation of cloud-based software with healthcare systems for the smooth functioning and efficient data tracking of patients is burgeoning the category’s revenue.
The in-patient category accounted for the larger market share, of around 75%, in 2021, on account of the increasing number of hospitals and rising number of in-patient admissions. This is itself attributed to the rising prevalence of chronic diseases, which require appropriate treatment. This increases the demand for CDSS in the in-patient settings. Moreover, players operating in the market are actively involved in the development of innovative CDSSs for in-patient settings, which also plays a pivotal role in the growth in the adoption of such solutions among in-patient settings.
North America accounted for the highest value, of around $800 million, in 2021, due to the wide acceptance of advanced technologies by healthcare providers and the presence of prominent players in the region. In addition, the U.S. holds the major revenue share, of approximately 90%, in the region, propelled by the increasing focus on delivering quality health services in the country.
Europe held the second-largest market share in the global CDSS market during the historical period. Moreover, the region is further expected to hold around 30% share in 2030. The revenue growth in the European region is attributed to the increasing demand for mHealth technologies, rising prevalence of chronic diseases, and surging geriatric population. Among the European countries, Germany is projected to hold around 25% share in 2030.
The major players operating in the global CDSS market are McKesson Corporation, Cerner Corporation, Siemens Healthineers GmbH, Allscripts Healthcare LLC, athenahealth Inc., NextGen Healthcare Inc., and Koninklijke Philips N.V.


New employee orientation typically focuses on important tips like how to get paid, and how to avoid getting hit by a truck at work – admittedly high priorities for both employees and employers. However, new employee orientation offers a one-time opportunity to encourage employees to practice ergonomics. Here are the things that I wish employees […]


The manager of Sensible Essentials conducted an excellent seminar explaining debt and equity financing and how firms should analyze their cost of capital. Nevertheless, the guidelines failed to fully demonstrate the essence of the cost of debt and equity, which is the required rate of return expected by suppliers of funds.
You are the Genesis Energy accountant and have taken a class recently in financing. You agree to prepare a PowerPoint presentation of approximately 6–8 minutes using the examples and information below:
Develop a 10–12-slide presentation in PowerPoint format. Perform your calculations in an Excel spreadsheet. Cut and paste the calculations into your presentation. Include speaker’s notes to explain each point in detail.
Other samples, services and questions:
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Observed Temperature Effects on Hourly Residential Electric Load Reduction in Response to an Experimental Critical Peak Pricing Tariff Abstract
The goal of this investigation was to characterize the manual and automated response of residential customers to high-price "critical" events dispatched under critical peak pricing tariffs tested in the 2003-2004 California Statewide Pricing Pilot. The 15-month experimental tariff gave customers a discounted two-price time-of-use rate on 430 days in exchange for 27 critical days, during which the peak period price (2 p.m. to 7 p.m.) was increased to about three times the normal time-of-use peak price. We calculated response by five-degree temperature bins as the difference between peak usage on normal and critical weekdays. Results indicated that manual response to critical periods reached -0.23 kW per home (-13 percent) in hot weather (95-104.9oF), -0.03 kW per home (-4 percent) in mild weather (60-94.9oF), and -0.07 kW per home (-9 percent) during cold weather (50-59.9oF). Separately, we analyzed response enhanced by programmable communicating thermostats in high-use homes with air-conditioning. Between 90oF and 94.9oF, the response of this group reached -0.56 kW per home (-25 percent) for five-hour critical periods and -0.89 kW/home (-41 percent) for two-hour critical periods.


Vincentric is a data collection and analysis company launched in 2004 and headquartered in Michigan. The company uses a cost-of-ownership database to measure and analyze the cost of holding and maintaining vehicles after purchase. FinCentric then uses the information to determine how those costs of ownership affect the vehicles’ value to buyers. This helps provide insight into the automotive industry for players such as the Cars website, Toyota, General Motors, Mercedes-Benz USA, etc.
It’s worth noting that data and insights from Vincentric can also prove valuable to car buyers, which is where the annual Best Value Awards come in.
What are the Vincentric Best Value Awards?
Each year, Vincentric issues Best Value Awards, a list of vehicles that the company believes will provide the best value for market segments and categories. As mentioned earlier, Vincentric collects and analyzes data, even considering multiple aspects of vehicle ownership before releasing the listing.
It should also be noted that Vincentric provides listings for both Canada and the United States, focusing on fleet models, certified used vehicles, and consumer market vehicles. The Best Value Awards for the Consumer Market were introduced in the USA in 2005 and later presented to Canada.
How the Company Selects Vehicles for America’s Best Value Awards
To understand how the company selects vehicle options for Best Value Awards, you first need to understand how Vincentric defines value in terms of vehicle ownership. Simply put, Fincentric states that a car with lower costs of ownership despite the similar price to its peers offers better value.
However, since car prices vary even in the same market segment, the company has to find another way to measure the value. It does this by combining cost factors such as depreciation, financing, maintenance, insurance, opportunity cost, repairs, fuel, and finally duties and taxes for approximately 2,000 vehicles.
Then, the vehicles are allocated to different segments, for example, small compact cars, compact cars, mid-size cars, sports cars, compact SUVs, etc. Fincentric then relates the price and costs of ownership for the different vehicles in each segment using a statistical model. Once this information is presented on the graph, the average value of the cars and trucks in each segment can be linearly determined.
Thus, vehicles whose costs of ownership are lower than the minimum are considered to be of better value. Vincentric can then use these data points to calculate the difference between projected and actual costs of ownership. Only vehicles with the most significant relative difference between expected and actual costs of ownership under the line are included in the Best Value Awards.
America’s Best Value 2022 Vincentric Awards Winners
With the winners of the 2022 Vincentric America’s Best Value Awards announced, there are notable blemishes in some of the most iconic car categories. For example, the Toyota Camry was chosen as the best value option in the midsize passenger car segment. According to Vincentric, the Camry’s costs of ownership are lower than expected by 4.4%.
Jeep Wrangler in the compact SUV segment achieved one of the largest profit margins at 12.1% lower than expected. This is the seventh time Wrangler has won the award in nearly two decades.
Next up is the Tesla Model 3 in the Luxury EV segment. This car combines the lowest depreciation, insurance, repair, operation and maintenance costs to help snatch the title for the 2022 model year. However, the margin is lower than expected at 2.4%.
Other notable examples include the Chevrolet Corvette, Lincoln Navigator, and Ford F-250 in luxury sports cars, large luxury SUVs, and full-size pickup trucks. Similar to the Jeep Wrangler, the Corvette’s percentage difference is just over 12%, and having the lowest insurance costs in its class definitely helped it win the prize.
As for the Lincoln Navigator and Ford F-250, margins were 3.9% and 2.6%, respectively.
RELATED: Hatchback Value Squad: The 5 Best Value Compact Slots in 2022


Zenobe Energy (formerly known as Battery Energy Storage Solutions), a developer, operator, and owner of battery storage assets in the U.K., has secured a multi-source debt structure of £241 million (~$326.2 million) to accelerate the expansion of the electric vehicle (EV) fleet sector.
The funding platform advised by NatWest takes total debt support from financial institutions in the UK to over £300 million (~$406.1 million).
The company plans to use the fresh funds to expand its EV activities and finance up to 430 new e-buses in the UK and Ireland. The debt funding also supports the company’s turnkey fleet electrification offering.
The structure comprises long-dated term financing, including from UK private placement institutions Aviva and Scottish Widows, alongside a shorter-term facility provided by six banks – Lloyds, MUFG, NatWest, Santander, Siemens, and Societe Generale that is intended to fund capital investment to support e-bus and charging infrastructure provided under service contracts to bus operators.
Nicholas Beatty, Founder Director, Zenobe Energy, said: “This is an incredibly exciting step for both Zenobe and the transport sector. This innovative funding structure marks the coming of age of structured finance solutions for fleet electrification and signifies substantial growth for our business, allowing us to accelerate the rollout of electric buses across the UK.
“We are delighted to have worked with NatWest to complete this ground-breaking financing of a new asset class for the market. The funds we are able to draw on from our new and existing funding partners through these and future contracts will support Zenobē in our aims to assist our customers in achieving the UK’s vehicle electrification targets.”
Zenobe has 175 MW of operational and contracted storage assets and 394 EV buses, or an estimated 25% market share of the UK operational EV bus sector.
According to Mercom Research, Zenobe secured £150 million (~$203 million) in November 2020 from Infracapital, the infrastructure investment arm of asset manager M&G Plc.
Recently, Leap24, a charging network for electric vans and trucks, raised more than $4.8 million in seed funding from Yard Energy Investments and angel investors.


Enteropathogenic Escherichia coli (EPEC) and enterohemorrhagic E. coli are noninvasive attaching and effacing (A/E) bacterial pathogens that cause intestinal inflammation and severe diarrheal disease. These pathogens utilize a type III secretion system to deliver effector proteins into host epithelial cells, modulating diverse cellular functions, including the release of the chemokine interleukin-8 (IL-8). While studies have implicated the effectors NleE (non-locus of enterocyte effacement [LEE]-encoded effector E) and NleH1 in suppressing IL-8 release, by preventing NF-κB nuclear translocation, the impact of these effectors only partially replicates the immunosuppressive actions of wild-type EPEC, suggesting another effector or effectors are involved. Testing an array of EPEC mutants, we identified the non-LEE-encoded effector C (NleC) as also suppressing IL-8 release. Infection by ΔnleC EPEC led to exaggerated IL-8 release from infected Caco-2 and HT-29 epithelial cells. NleC localized to EPEC-induced pedestals, with signaling studies revealing NleC inhibits both NF-κB and p38 mitogen-activated protein kinase (MAPK) activation. Using Citrobacter rodentium, a mouse-adapted A/E bacterium, we found that ΔnleC and wild-type C. rodentium-infected mice carried similar pathogen burdens, yet ΔnleC strain infection led to worsened colitis. Similarly, infection with ΔnleC C. rodentium in a cecal loop model induced significantly greater chemokine responses than infection with wild-type bacteria. These studies thus advance our understanding of how A/E pathogens subvert host inflammatory responses.


What Is the Effective Tax Rate?
The effective tax rate is the percentage of an individual’s or corporation’s income that is paid in taxes. Individuals’ effective tax rate is the average rate at which their earned and unearned income, such as stock dividends, are taxed. A corporation’s effective tax rate is the average rate at which its pre-tax earnings are taxed, while the statutory tax rate is the legal percentage set by law.
Key Takeaways Individuals’ effective tax rate is the proportion of their taxable income that they pay in taxes. The effective corporate tax rate is the rate that firms pay on their pre-tax earnings. Although the term “effective tax rate” usually refers primarily to federal income tax, it may be calculated to represent an individual’s or a company’s entire tax burden. Understanding the Effective Tax Rate
An individual’s effective tax rate may be calculated by glancing at their 1040 form and dividing the figure on line 16, “Total Tax,” by the number on line 11(b), “Taxable Income.” The effective tax rate for companies is calculated by dividing total tax costs by profits before taxes.
The effective tax rates (ETR) for individuals and companies are expressed as formulae as follows:
For an individual: ETR = Total Tax ÷ Taxable Income
For a corporation: ETR = Total Tax ÷ Earnings Before Taxes
The effective tax rate normally relates exclusively to federal income taxes and excludes state and local income taxes, sales taxes, property taxes, and other forms of taxes that a person may pay. Individuals may calculate their overall effective tax rate by adding their entire tax burden and dividing it by their taxable income. This computation may be helpful when comparing the effective tax rates of two or more persons, or when determining what a specific individual could pay in taxes if they lived in a high-tax vs. a low-tax state—a factor for many people considering migrating in retirement.
Investors may use a company’s effective tax rate as a profitability indicator, although it may be difficult to establish the cause of year-to-year swings in the ETR.
Marginal vs. Effective Tax Rate
The effective tax rate, which is often lower, is a more realistic portrayal of a person’s or corporation’s entire tax burden than the marginal tax rate. Remember that when comparing a marginal versus an effective tax rate, the marginal tax rate refers to the highest tax band into which their income falls.
Income is taxed at different rates that climb when income exceeds specified thresholds under a graduated or progressive income-tax system, such as the one used in the United States. Two people or businesses with the same highest marginal tax bracket may wind up with substantially different effective tax rates, depending on how much of their income was in the top bracket.
Example of an Effective Tax Rate
Consider a progressive tax system in which earnings under $100,000 are taxed at 10%, earnings between $100,000 and $300,000 are taxed at 15%, and earnings exceeding $300,000 are taxed at 25%. Consider two persons who both fell into the 25% tax bracket, despite the fact that one had a taxable income of $500,000 and the other had a taxable income of $360,000.
Both people would pay 10% of their first $100,000 in earnings, or $10,000. Both would then pay 15% of their earnings between $100,000 and $300,000, or $30,000 (15% of $200,000).
Finally, each would pay 25% of their incomes over $300,000 in taxes. That would be $15,000 (25% of $360,000) for the person with $360,000 in taxable income. However, for a person with $500,000 in taxable income, the tax would be $50,000 (25% of $200,000). Their combined tax liabilities would be $55,000 and $90,000, respectively.
While both individuals could say they’re in the 25% bracket, the one with the higher income has an effective tax rate of 18% ($90,000 in tax divided by $500,000 in income), while the other’s effective tax rate is 15.3% ($55,000 divided by $360,000).
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Effective Tax Rate Definition on internet, you do not find the information you need! Here are the best content compiled and compiled by the achindutemple.org team, along with other related topics such as: Tax.


Abstract
Supercritical fluids have been utilized for numerous scientific advancements and industrial innovations. As the concern for environmental sustainability grows, these fluids have been increasingly used for energy efficiency purposes. Advanced Applications of Supercritical Fluids in Energy Systems is a pivotal reference source for the latest academic material on the integration of supercritical fluids into contemporary energy-related applications. Highlighting innovative discussions on topics such as renewable energy, fluid dynamics, and heat and mass transfer, this book is ideally designed for researchers, academics, professionals, graduate students, and practitioners interested in the latest trends in energy conversion.
ASJC Scopus subject areas Energy(all) Engineering(all) Chemical Engineering(all)


Economist in Cambodia Kongchheng Poch Nationality: Cambodian Languages: English, Khmer Economist in Cambodia
What kind of socioeconomic analysis is most relevant for decision-makers to chart and cost practical policy measures? This is what preoccupies Kongchheng Poch, the economist in the UN Resident Coordinator’s Office in Cambodia. During the COVID-19 pandemic, Kongchheng led, in close collaboration with UN entities, various analyses such as an assessment of socio-economic impact of the pandemic on Cambodia and policy responses to inform the UN’s support to the Government in the face of such crisis. This enabled the UN to
put forward a comprehensive economic and social protection policy options to ensure that livelihoods of the poor and vulnerable populations are protected, and its socio-economic impact is mitigated. Kongchheng plays a key role in enabling successful UN country team joint programme submissions to the UN’s Joint SDG Fund, such as credit guarantee for women-owned enterprises.
Kongchheng is proud of a recent short deployment to the Resident Coordinator’s Office in Indonesia under UN’s capacity sharing modality, during which he produced an analytical paper on the impact of the Ukraine war on Indonesia, which aims to inform UN Indonesia proposals to engage the government on measures needed to mitigate the negative impacts on the most vulnerable populations.
Cambodia Asia and the Pacific


Hyperscanning studies have begun to unravel the brain mechanisms underlying social interaction, indicating a functional role for interpersonal neural synchronization (INS), yet the mechanisms that drive INS are poorly understood. The current study, thus, addresses whether INS is functionally-distinct from synchrony in other systems – specifically the autonomic nervous system and motor behavior. To test this, we used concurrent functional near-infrared spectroscopy – electrocardiography recordings, while N = 34 mother-child and stranger-child dyads engaged in cooperative and competitive tasks. Only in the neural domain was a higher synchrony for mother-child compared to stranger-child dyads observed. Further, autonomic nervous system and neural synchrony were positively related during competition but not during cooperation. These results suggest that synchrony in different behavioral and biological systems may reflect distinct processes. Furthermore, they show that increased mother-child INS is unlikely to be explained solely by shared arousal and behavioral similarities, supporting recent theories that postulate that INS is higher in close relationships.


Help us build a community where breastfeeding mums feel supported and welcomed.
Most mums want to breastfeed their babies. Lack of information and support can make it hard to achieve individual breastfeeding goals.
In a breastfeeding friendly community, mums and their families have access to the information and support they need to breastfeed their babies for as long as they choose. They feel welcome and supported both at home and away from home.
ABA offers a number of services designed to support mums and their families on their individual breastfeeding journeys. However, feeling supported and welcomed by the community is vital in ensuring continued breastfeeding success.
Government at all levels, businesses, community organisations and local venues all have a part to play in creating a breastfeeding friendly community.


Thales College, a new undergraduate institution launching this fall in Wake Forest, N.C., is eagerly preparing to open its doors to its inaugural class. Thales College is a unique institution with a fresh vision for higher ed: rigorous academics and effective professional preparation joined with a commitment to affordability not often found among other higher education options.
During the 2021-22 school year, Thales College debuted its free high school dual-enrollment program. Local high school juniors and seniors enjoyed the opportunity to receive free, transferable college credits while learning from Thales College faculty members. These courses employed the school’s preferred teaching method—Socratic discussion—in order to help students discuss course content at length while developing critical thinking skills. Thales College is preparing to offer dual-enrollment courses again this fall, concurrent with its regular undergraduate degree programs. Interested students are encouraged to apply early, as seats are limited.
The college’s most popular offering beyond the undergraduate program is its unique Summer Institute, a five-day colloquium for high school upperclassmen that has focused on the theme of entrepreneurship thus far but may expand to other topics in the future. Summer Institute participants study topics in entrepreneurial business, enjoy presentations by local entrepreneurs, and take visits to local companies. Students go on a five-day deep-dive into a range of entrepreneurial topics and have the opportunity to speak one-on-one with real entrepreneurs.
Throughout the past school year, Thales College invited the public to attend a variety of workshops on a range of topics. Families heard from guest experts and Thales College faculty members and benefited from in-person demonstrations and interactive webinars. Topics included classical education and leadership, the importance of meaningful work, business and entrepreneurship, and the rigors of engineering.
The school emphasizes rigorous academics, weekly personalized mentorships with professors, daily internships, and a strong focus on character and professional development.Having emerged from its soft launch, Thales College is excited to officially open its doors this fall. The institution offers three degree programs, each with an emphasis on a classical humanities core for all students. Programs include a B.S. in mechanical engineering, a B.A. in entrepreneurial business, and a B.A. in classical education and leadership.
The school emphasizes rigorous academics, weekly personalized mentorships with professors, daily internships (the daily schedule is designed to allow all students to intern at local companies in the afternoons), and a strong focus on character and professional development. Thales College is thus an alternative to the traditional lecture-hall, amenities-focused university experience and aims to help every student develop the wisdom—intellectual ability, meaningful knowledge, moral character, and professional excellence—needed to thrive in life and work.
Thales College’s design and mission are clearly resonating with students near and far, as applications have been submitted from as close as down the street and as far away as Oregon. The school touts affordability as a hallmark of its model, charging a mere $4,000/term tuition. Additionally, it offers a merit-based Founder’s Scholarship to top student applicants and intentionally schedules classes in a way that permits students to work, thus allowing them to pay their way through school rather than accumulating student loan debt.
Thales College is quickly moving to become a robust option in the undergraduate marketplace. The school’s leadership and faculty team are excited to begin educating their first class of undergraduates this fall. A few seats are still available, and interested students may learn more and apply online at ThalesCollege.org.
Alexandra Stroud assists with recruitment and marketing at Thales College.


Interesting Reads. Industry news you may have missed.
Following the Covid-19 pandemic and social justice movements, brands face greater pressure to communicate their values. In response to this trend, CSQ ranked Super Bowl brand ad campaigns that engaged in cause marketing. For instance, Google Pixel’s “Real Tone” ad with Lizzo addressed photo resolution issues for people of color. However, CSQ felt that the ad brushed over the broader conversation surrounding diversity and racism.
Now that we are two years into the new decade, it’s time to take a second look at marketing trends. Blurred lines between marketing, public relations, and design departments can complicate productivity. Additional trends identified were consistent planning with long-term growth in mind.
Brains are wired to seek patterns and great branding taps into those mental models. Addressing the gap between objectivity and subjectivity in product engagement is at the crux of an effective marketing strategy. By influencing consumer beliefs in response to a brand, marketers can operate at the forefront of pattern development.
Given that social media platforms take nearly half of an influencer’s ad revenue, it is no wonder that they are seeking greater ownership of their work. Decentralized metrics on social channels place limits on brand insights. However, with so many components, developing a comprehensive in-house production team is not always viable.


Despite proposals to the contrary, the TRIPS Agreement did not require the protection of pharmaceutical inventions in preparation in these countries at the time of the entry into force of the WTO. (3) However, since that date (1 January 1995), developing and least-developed countries that have not already provided patent protection for medicinal products are required to prepare a system for filing patent applications for pharmaceutical inventions (often referred to as letterbox systems). These applications had to be considered by developing countries only after 1 January 2005 and, in the case of LDCs, they do not need to be considered until 1 January 2016. If it turns out that a patent is patentable by reference to the filing date (or priority date), it should be granted for the remainder of the patent term, counted from the filing date.


Understanding your options as an Amazon seller accused of a rights violation includes learning about what a notice of preservation is, how to use it, and the risks associated with this document and threatening litigation. A notice of preservation is a letter that can be sent to the complainant in the event that your Amazon seller’s account was suspended due to a rights violation, trademark infringement, or other accusation. This letter requests that any electronically-stored information be preserved in anticipation of future litigation.
If an Amazon seller reaches out to a rights owner, and they do not respond, that seller can file this letter as a way to let them know they are pursuing further action. As a seller who has received a complaint from a rights owner, you could submit this notice of preservation to the complainant directly.
This letter is a means of letting the accuser know that Amazon will be required to preserve their documents in ESI, or electronic storage information, in the event that litigation requires them to retrieve it.
This approach has been successful in the past at our firm. We submitted a notice of preservation to the supposed rights owner in one case, and the rights owner responded almost immediately, retracting their complaint immediately as well. This type of document does have a track record of success, but you may need to anticipate litigation before submitting it. This leads me to a cogent detail:
Threatening rights owners is indeed a dangerous game. If litigation is not a viable or affordable option for your business, then carefully consider whether sending a notice of preservation is the right approach. A lot of sellers deal with rights owners on their own before they pursue representation. This is sometimes the right thing to do, but can often lead to hostilities that could have been avoided.
As a small or medium-sized business owner, risking litigation is likely not the best solution for resolving your conflict. Other channels for communication should be considered like submitting a Plan of Action to Amazon or simply reaching out to a firm to discuss your situation first. Ultimately, if you anticipate receiving litigation based on sending a notice of preservation, and you are not fully prepared to go to court, it may have been prudent to not send the letter in the first place.


You are here Position paper - European Sustainability Reporting Standards
AmCham EU welcomes the comprehensive work done by the European Financial Regulatory Advisory Group (EFRAG) on the upcoming European Sustainability Reporting Standards (ESRS). We fully support regulatory efforts to provide a reliable framework for companies to report on sustainability. However, the complexity and detail of such an exercise presents a significant – and for many, new – challenge. We provide our recommendations to ensure that reporting is accurate, verifiable, auditable, relevant and comparable.
Please find AmCham EU's response to the EFRAG consultation on the Draft ESRS here.


Data Thrust
The Data Thrust brings together complementary expertise essential for ASPIRE’s data science research needs, including multi-modal data fusion and big data, network systems optimization, theory and applications of machine learning, cyber-physical systems security, embedded and real-time systems, mobile and social computing, and computer-based decision support systems. The Data team has extensive interdisciplinary research experience spanning multiple domains.
The Data Thrust serves as a central convergent resource where diverse data sets and modeling / optimization problems regarding electrified transportation can be effectively integrated and analyzed as systems of systems for scientific discovery and real-world adoption.
The thrust connects data science research with other research thrusts and application domains spanning battery systems, electric vehicles, transportation infrastructure and systems, charging infrastructure, power grid integration, and adoption and equity across a wide range of stakeholders and sectors.
Effective and efficient full-stack data analytics for electrified transportation is fundamental to the ASPIRE ERC but is challenging due to the volume, variety, velocity, and veracity of relevant data. Given the diversity, complexity, and multiscale dynamics of the TAPED challenges, direct application of generic data science solutions is inadequate, and various data science innovations are needed to address the specific usage scenarios and challenges of electrified transportation. Close collaboration across ASPIRE’s TAPED Thrusts is essential for success.


Advance Planning
The Advance Planning Section oversees long-range planning for unincorporated Contra Costa County. Advance Planning staff’s primary responsibilities are developing, maintaining, and implementing the Contra Costa County General Plan; addressing issues related to growth management (e.g., the County’s Urban Limit Line); and administering the
Envision Contra Costa 2040 is a comprehensive review and update of the County's General Plan. The process began in late-2018 and the final documents anticipated for the end of 2022.
The Contra Costa County General Plan expresses the broad goals and policies, and specific implementation measures, which will guide decisions on future growth, development, and the conservation of resources in the County.
Existing General Plan policies and zoning regulations for Byron Airport prohibit most of the uses necessary for the airport to reach its aviation potential and achieve economic self-sufficiency. To promote economic development, the County intends to amend its Airport Land Use Compatibility Plan, General Plan, and Planned Unit District zoning to substantially broaden the range of uses allowed by right on the airport property.
The California Land Conservation Act of 1965, better known as the Williamson Act, created a program to help counties preserve agricultural land and open space by offering a tax incentive to property owners. The Act provides an arrangement where private landowners voluntarily restrict their land to agricultural and compatible open space uses under a contract with the County, known as a Land Conservation Contract.


Mindfulness and addiction treatment
Over the last four decades, research on applications of meditation and mindfulness-based approaches for an array of psychological problems has grown exponentially. As part of this growth, meditation has begun to receive attention as a potentially useful treatment for individuals seeking help with addiction, and various meditation practices have been evaluated for their effectiveness (Marlatt 2003). Some of the earliest investigations of meditation as a treatment for addiction were Marlatt’s preliminary investigations in the early 1970s, evaluating transcendental meditation (TM) as a preventive intervention for high-risk drinkers (Marlatt and Marques 1977). After some promising findings, a subsequent randomized trial of TM-based meditation, in comparison with several other methods of relaxation, provided further evidence of salutary effects of meditation for heavily substance-using individuals. Results indicated that TM was associated with a strong and consistent reduction in substance use, and led to the inclusion of meditation in the Relapse Prevention Model as a potential alternative to substance use and a significant step toward a more balanced way of living (Marlatt 2003; Marlatt and Gordon 1985).


This research reviews the evolution of demographic conditions and economic, social and environmental trends over the past four decades, and addresses the content of the most prominent policies, strategies and programs developed to address the topic of “Population, Economic Development and Environment,” seeking to show how opportunities were missed for achieving goals that fall within the framework of Lebanon's commitment for realizing the Cairo Conference on Population and Development Program of Action, the Millennium Development Goals, and the 2030 Sustainable Development Goals, and viewing prospective opportunities and future directions for population and development strategies. The paper concludes by spotlighting anticipated opportunities to develop a comprehensive framework for sustainable development that integrates the various dimensions of development called for by the 2030 Agenda, from which follow sectoral strategies, policies and plans.


Seagrass seed bank spatial structure and function following a large-scale decline
Jarvis, Jessie C., McKenna, Skye A., and Rasheed, Michael A. (2021)
Seagrass seed bank spatial structure and function following a large-scale decline. Marine Ecology Progress Series, 665. pp. 75-87.
PDF (Published Version) - Published Version
Restricted to Repository staff only until 30 April 2026.
Abstract
We examined the spatial structure (distribution, density) and function (viability) of the seagrass sediment seed bank, the storage of viable propagules (e.g. seeds, tubers, diaspores) in the sediment over time,in the northern Great Barrier Reef World Heritage Area in Cairns, Queensland, following a large-scale decline in seagrass area. A spatially explicit seagrass seed bank analysis was paired with a long-term annual assessment of seagrass distribution to assess seed bank spatial patterns and their relationship with the recovery and presence of seagrass, and water depth. Four years post-decline, the seed bank contained Zostera muelleri, Halodule uninervis, Halophila ovalis and Cymodocea serrulata seeds. Seed banks reflected adjacent meadow community composition; however, the density of seeds for all recorded species was significantly lower than analogous seagrass populations, indicating a reduction in the capacity for recovery from the seed bank. A spatial structure existed in both the total (viable + non-viable) and viable seed bank, and distance between seed clusters ranged from 50-550 m depending on species and seed type. Observed patterns in clustering may be explained by variation in water depth and the past distribution of seagrass in these meadows. These results demonstrate that the distribution of seagrass seeds within the seed bank, which directly influences the natural recovery of seagrass communities, is not uniform across species and may result in patchy recovery of the meadows. Therefore, the resilience provided by the seed bank in seagrass communities should not be viewed as a static level of insurance for the entire meadow, but rather as dynamic and species-specific, with variability over both space and time.
Item ID: 72075 Item Type: Article (Research - C1) ISSN: 1616-1599 Keywords: Viability, Zostera muelleri, Halodule uninervis, Resilience Copyright Information: © Inter-Research 2021. Published Version may be made open access in an Institutional Repository after a 6 month embargo. Date Deposited: 09 Feb 2022 07:52 Downloads: Total: 1 More Statistics


Every year, millions of Americans patiently wait for weeks for all of their required tax papers to arrive in the mail, faithfully assemble them and complete their returns, then longingly consider what they might have done with the money that went to Uncle Sam and their state governments.
However, not everyone is subject to this procedure; under our tax legislation, some categories of individuals in America are excluded from it. There are five primary types of taxpayers that are fortunate enough to avoid paying taxes.
Key Takeaways Due to their circumstances, some firms and people do not pay taxes. If certain requirements are met, U.S. citizens working overseas may not be required to pay taxes to the Internal Revenue Service. Religious groups are not required to pay taxes. Because of their circumstances, some low-income taxpayers may wind up owing no taxes. Many working Americans are required to pay income tax. Personal Income Tax Guide 1. Not-for-Profit Organizations
Section 501(c)3 of the Internal Revenue Code states that any organization that qualifies for this classification is free from paying any income taxes. Religious, educational, and humanitarian organizations such as churches, synagogues, colleges, hospitals, the Red Cross, homeless shelters, and other institutions that strive to enhance our society are all eligible.
2. U.S. Citizens Working Abroad
If you reside and work in another country, you may not have to pay taxes to Uncle Sam on your earnings. Americans may earn up to $108,700 working overseas before paying taxes in 2021, and that limit rises to $112,000 in 2022.
Expatriates are entitled to extra advantages, such as the opportunity to exclude or deduct housing expenditures from their earnings. To qualify, the taxpayer must fulfill certain criteria. They must be genuine foreign residents or physically present in a foreign nation for at least 330 full days each year.
3. Low-Income Taxpayers
If your income does not exceed the standard deduction, you do not have to pay taxes and you do not have to file. A married couple under the age of 65, for example, would have to earn at least $25,100 ($25,900 in 2022) before the IRS asks them to pay their taxes.
Below are the filing requirements set by the IRS.
Filing Status (2022) Then file a return if your income was: Single, under 65 $12,950 or more Single, 65 or older an additional $1,400 Married, filing jointly, both spouses under 65 $25,900 or more Married, filing jointly, one spouse 65 or older an additional $1,750 Married, filing jointly, both spouses 65 or older you both receive an additional $1,400 4. Taxpayers with Many Deductions
Personal deductions allow certain taxpayers to deduct most or all of their taxable income. For example, if a person incurs a large medical bill, they may be able to claim it on Schedule A as an unreimbursed medical cost, lowering their taxable income to the point where it falls below the taxable threshold.
5. Taxpayers with Many Dependents
Lower-income families with dependent children that qualify for the Earned Income Tax Credit may not have to pay taxes. A married couple with three children, for example, may be eligible for a maximum tax credit of $6,728 in 2021 (and $6,935 in 2022), which would balance their tax burden dollar for dollar.
The Child Tax Credit maximum has been increased from $2,000 to $3,000 for children aged six to seventeen, and $3,600 for children under the age of six. The credit is also now entirely refundable; earlier, it was just $1,400. These amendments are part of the American Rescue Plan of 2021 and will be in force only for the fiscal year 2021, unless extended by an additional act of Congress. It is phased away for individuals earning more over $75,000 and couples earning more than $150,000.
It should be noted that people who do not have children may also be eligible for a tax credit. In 2021, a single individual with no children may claim a maximum credit of $1502, and the income threshold for this taxpayer is $21,430.
The Bottom Line
Although certain taxpayers, such as 501(c)3 organizations, are automatically free from taxes, it is also feasible to exempt oneself from taxation by incurring considerable deductions and/or decreasing your income proportionately. Although it is not always a smart idea to let your tax tail wag your financial dog, lowering your income below the taxable threshold will always make you feel better come tax time.
You are looking for information, articles, knowledge about the topic
5 Groups That Don’t Pay Taxes on internet, you do not find the information you need! Here are the best content compiled and compiled by the achindutemple.org team, along with other related topics such as: Tax.


Translation Games
These apps are helpful for drawing attention to gaps in learner’s understanding of grammar. Typically these apps display a phrase in your Indigenous language, with multiple English choices for the user to guess the correct “translation“. Ques transform the user into learners by letting them know if they are correct or incorrect.
Other versions of the app provide specific metalanguage feedback that serve two purposes: Helping the learner to recognize gaps in their repertoire and offering supportive feedback that reinforces grammatical input. This takes the mystery out of language and points the learner to recognizable and educational options.
Other options that can be added include increasing levels of difficulty and a feature that repeats questions the learner gets wrong. All the feedback is relevant to the Indigenous language phrase, focuses the learner on grammar “forms” and supports the beginner speaker’s growth.
Please contact me if you’re interested in app development, maintenance and support services.


NEW YORK (GenomeWeb) – A team from the US, Finland, Germany, and Sweden has come up with a polygenic risk score for migraine headaches, made up of common genetic variants that are over-represented in migraine-affected individuals and families.
"The strength of the common variants in these families surprised us," senior author Aarno Palotie, a researcher affiliated with Massachusetts General Hospital, Harvard Medical School, the Broad Institute, and the University of Helsinki, said in a statement, noting that "common variants are very important factors in aggregation of migraines in the family."
He and his colleagues brought together array-based genotyping profiles for more than 8,300 individuals from nearly 1,600 migraine-affected families, demonstrating that a polygenic risk score based on migraine-associated common variants was enhanced in individuals with a range of migraine subtypes. They saw a similar, but less pronounced, common variant enrichment using data for more than 1,100 migraine sufferers participating in the FINRISK population study.
"[O]ur study supports the hypothesis that migraine subtypes are genetically heterogeneous diseases and that regardless of whether they are [common or rare] subtypes, common polygenic variation significantly contributes to the aggregation of the disease in families," Palotie and his colleagues wrote in a study appearing online today in
Neuron.
Past genetic linkage studies have identified a small handful of Mendelian genes involved in familial migraine risk, the team noted, including ion transporter genes such as SCN1A, ATP1A2, and CAC-NA1A, the team explained. Nevertheless, the penetrance of migraine-related mutations in these genes appears to vary, and much of the heritability of migraine risk remains unexplained.
"We hypothesize that in addition to some rare, highly penetrant variants, accumulation of common variants with small individual effect sizes contribute to the familial forms of migraine," the authors wrote, noting that common variants at dozens of loci have been implicated in migraine risk through genome-wide association studies.
To explore these potential common variant contributions to familial and sporadic migraine risk, the researchers proposed a polygenic risk score based on variants identified in migraine GWAS that Palotie and other members of the team published in
Nature Genetics in 2016 involving some 59,000 individuals with migraine and 316,000 without.
When the team applied the risk score to 8,319 genotyped individuals from 1,589 migraine-affected families in Finland, it did see an enrichment for the polygenic risk score variants across the migraine subtypes considered, including migraine with aura, migraine without aura, and a rarer form of the headache called hemiplegic migraine.
When they expanded the analysis to include 13,369 FINRISK study participants, meanwhile, the researchers saw similar ties to migraine, though variant enrichment was less pronounced than it was in the familial cases.
Even so, they did detect some differences in the extent of enrichment depending on the subtype considered. The risky variants were enhanced to a greater extent in individuals who experienced migraine with aura or hemiplegic migraine compared to those who reported migraine without aura.
Across the familial cases, the team estimated that the polygenic risk variants explain roughly 3.5 percent of migraine risk. In that population group, the polygenic risk variant score appeared to explain 1.6 percent of variation associated with the migraine phenotype.
In contrast, the researchers identified rare pathogenic variants in Mendelian migraine genes in individuals from four of 45 sequenced families, but did not detect such rare mutations in more than 200 sequenced individuals with sporadic forms of migraine.
In a related study appearing online today in
PLOS Genetics, an independent team led by investigators at the Max Planck Institute for Evolutionary Anthropology and the University College London tracked the distribution of a cold- and/or migraine-related variant called rs10166942 near TRPM8, a cation channel gene implicated in cold perception.
Based on allele frequency data from the 1000 Genomes Project, the researchers found that rs10166942, which is believed to be protective against migraine risk in its ancestral state, is found in a derived state in 88 percent of Finnish individuals, but just 5 percent of individuals from Nigeria.
"[A] likely regulatory genetic variant nearby TRPM8 has several signatures of positive selection raising its frequency in Eurasian populations during the last 25,000 years," senior author Aida Andres, an evolutionary genetics researcher affiliated with Max Planck and UCL, and her co-authors reported, noting that "this same genetic variant has previously been strongly associated with migraine."
From these results, authors of that study proposed that "adaptation to cold has potentially contributed to the variation in migraine prevalence that exists among human groups today."


ABSTRACT
This chapter compares ghost reality shows and the revenants they conjure to those summoned and vanquished in Third Wave spiritual warfare, a contemporary Protestant evangelical movement focused on removing demons from human bodies, material objects, places, and regions of the world. It deals with two episodes of the A&E series Paranormal State with demon deliverance narratives from spiritual warfare handbooks. The chapter suggests that both ghost reality television and Third Wave spiritual warfare provide narratives asserting that the past – even in a neoliberal era that often plays down the role of history and material conditions – still haunts the present, conjuring current maladies and requiring acknowledgment. One motif of traditional American ghost stories – televised and otherwise–is that the haunting ceases once the tragedies and injustices of the past have been acknowledged and addressed. In Third Wave demonology, the ground grieves because of past sins committed upon it, and demons haunt the territory where such horrors occurred.


For almost a year, the hryvnia exchange rate against the euro has risen from UAH 26-27 in February to UAH 33 now, ie the hryvnia has depreciated by 20%.
This indicator primarily affects imports in Ukraine, primarily for products that are in the consumer basket and fuels and lubricants. Therefore, if the government continues to cover the emission budget deficit, the hryvnia exchange rate will be the first to respond.
But this does not mean that the government is not able to patch “holes” in the budget, such as issuing salaries to state employees or covering the deficit of pension benefits. In this case, the hryvnia will hardly fluctuate.
If the government implements large-scale programs, such as large investments in construction not provided for in the budget or other, then the exchange rate in winter will reach a maximum.
However, in the winter we can see the appreciation of the hryvnia exchange rate – these are seasonal fluctuations and in the spring if there are no shocks, the exchange rate will start to change. The IMF tranche is also expected to be received at the end of the year, which will significantly improve the economic situation.


Abstract
Water splitting using InGaN-based photocatalysts may have a great contribution in future renewable energy production systems. Among the most important parameters to solve are those related to substrate lattice-matching compatibility. Here, we directly grow InGaN nanowires (NWs) on a metallic Ti/Si template, for improving water splitting performance compared to a bare Si substrate. The open circuit potential of the epitaxially grown InGaN NWs on metallic Ti was almost two times that of those grown on Si substrate. The interfacial transfer resistance was also reduced significantly after introducing the metallic Ti interlayer. An applied-bias-photon-to-current conversion efficiency of 2.2% and almost unity Faradic efficiency for hydrogen generation were achieved using this approach. The InGaN NWs grown on Ti showed improved stability of hydrogen generation under continuous operation conditions, when compared to those grown on Si, emphasizing the role of the semiconductor-on-metal approach in enhancing the overall efficiency of water splitting catalysts.


Andersen´s European Corporate and M&A practice has prepared the fifth edition of the European Corporate Insights’ magazine. In this publication, focused on the Banking and Finance Industry, we address the principal topic “SANDBOX in Europe”.
The FinTech ecosystem has recently introduced new players and innovative business models (applying new technologies) which involve new and different challenges for the financial system. Assessing such business models requires a deep understanding by the EU Regulators of the technologies used to deliver innovative services or products.
Therefore, a significant number of jurisdictions in Europe have already introduced various types of innovation facilitators, such as the regulatory sandboxes, to test innovative products, services, or business models.
The magazine also covers some highlights and relevant information about our Corporate and M&A practice in Europe and includes a piece of opinion that on this occasion is “Approaching a Single EU FinTech Market”.
This edition of European Corporate Insights, the magazine published by Andersen’s Corporate Legal Service Line in Europe, analyzes all these issues to be taken into account by Companies operating in different European countries.
Our partner,
Katerina Simopoulou, head of Banking, Finance & Capital Markets contributed to the Greek Chapter.
We hope that you find this publication of interest and we remain at your entire disposal for any additional questions that may arise.


Gas and Taxes: The Impact of Russia’s Tinkering with Upstream Gas Taxes on State Revenues and Decline Rates of Legacy Gas Fields (Oxford Energy)
In a world of low commodity prices the potential for conflict between hydrocarbon producers and governments over tax revenues is exacerbated. In Russia this is even more true because the state relies so heavily on taxes from the oil and gas sectors and because producers are increasingly having to invest in new more remote assets rather than rely on declining Soviet-era low-cost fields. In the gas sector the state has attempted to address this issue by offering a differentiated royalty system that allows discounted rates for new investment, but because of the oversupply of gas in Russia this has led to some unforeseen consequences. Gazprom, as the largest producer, has prioritised production from new more expensive fields with a lower tax burden rather than exploit some of its lower cost existing assets, with the result that government revenues have not been maximised and Russia’s competitive position in global market has not been optimised. This paper explores the implications of this outcome and discusses potential changes in policy which could alleviate the problems. The paper is available for download on the Oxford Institute for Energy Studies website.
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If you believe in the economic and societal theories underlying oligopolies, essentially it is a “bad” thing for consumers when a small set of firms dominate a market, partially due to the lack of abject competition and the lopsided power grab enabled by those companies.
Let’s be clear and agree that this does not imply that there will be only a handful of gigantic companies that serve us all of the myriad types of AI systems that are and will continue to emerge.
Instead, imagine that we are heading toward a sea of AI oligopolies, a veritable cabal of distinct oligopolistic instances, each focused on a particular AI aimed niche.
For example, as will be noted shortly, the emergence of AI-based self-driving cars would appear to be a fast-approaching AI oligopoly, and for which few realize the importance and significance this foreshadows.
More>>


Guide to Installing a Garage Door – Insurance Claim Letter
An emergency garage door replacement might arise due to security concerns as well as safety concerns for your home. Garage doors that are not automated pose safety concerns. It could lead to incidents. Kids and pets could be injured or killed due to the impact of a locked garage door. The garage door houses many household items and valuables, including your automobile. You must ensure you get the most modern garage door available so that you can secure your property.
Through the internet, your family members or friends and family members, you will be able to find garage door firms in the area that can offer solutions to your issues. Garage doors come with bearings that help support the weight of the door , and are positioned along the shaft. When maintained properly, door’s bearings last between 20-30 years. After wear, repair of the garage door’s bearing price will be between 80 to three hundred dollars. End bearings play a significant function in supporting the weight of the door. Bearings are essential for heavier doors. 8kw21iehin.


The most basic principle of tort law is that the plaintiff must be placed in the position he or she would have been if not for the defendant’s negligence, no better or worse. The tortfeasor must take his or her victim as they find them, even if the plaintiff’s injuries are more severe than they would be for a normal person (the thin skull rule). However, the defendant need not compensate the plaintiff for any debilitating effects of a pre-existing condition which the plaintiff would have experienced anyway (the crumbling skull rule): Athey v. Leonati, at paras. 32-35. "The most advanced legal research software ever built."
The above passage should not be considered legal advice. Reliable answers to complex legal questions require comprehensive research memos. To learn more visit www.alexsei.com.


Frost & Sullivan has honoured Emerson Process Management with
its Market Leadership Excellence Award in the European industrial flow sensors market.
Emerson's complete range of advanced high-performance flowmeters has strong penetration
across a broad spectrum of regional and application market sectors. Their flow technology,
evident across multiple product ranges, and combined with impressive service focus and
marketing expertise, have enabled Emerson to build its leadership position, reports Frost
& Sullivan.
A dedicated focus on research and development of flowmeter and related field measurement
technologies in separate product teams has enabled Emerson to enhance its extensive product
line. By developing the flow technologies available, maintaining the overall objective
of using direct digital communications within the PlantWeb architecture, the company has
pioneered multivariable measurements from intelligent flow measurement devices. In this
way the company has been able to enhance customer services and benefits, and maintain customer
loyalty, even while increasing overall revenue. For instance, such technology innovation
has allowed Emerson Process Management to gain significant revenue share in the fast developing,
and high-growth Coriolis mass flow segment for both liquid and gas measurement. Flow measurement technology within Emerson is not restricted to one product style, and
the strength of the Emerson offering for flow customers is the breadth of techniques available.
Many of these retain the product brands that have established customer loyalty in specific
market areas, such as Daniel for oil and gas fiscal flow measurement solutions and services, Micro Motion for Coriolis mass flow metering, and Rosemount pressure measurement transmitters
for application on orifice plate and pitot tube flowmetering systems. Emerson has also
used its technology and skills to re-engineer established flow metering techniques such
as electromagnetic and vortex shedding systems, adding digital communications and built-in
intelligence. Emerson is also named as 2004 Company of the Year award recipient for its leadership in
the process control and automation industry as a whole. This award recognises that the
company has demonstrated unparalleled excellence in terms of business development, competitive
strategy, and customer service leadership within the industry. Emerson's continued success
in deploying its PlantWeb(r) technologies and services that enable customers to increase
process efficiency and positively impact their bottom line, clearly places the company
as the industry leader. By understanding the total customer requirement, and then adding further features to enhance
performance monitoring, Emerson has built excellent customer satisfaction levels: this
visionary leadership, leading to value-enhancing solutions for customers, is likely to
ensure the company's sustained pace of growth.


Functional somatic syndrome is a term used to refer to physical symptoms that are poorly explained. It encompass disorders such as chronic fatigue syndrome, fibromyalgia, chronic widespread pain, temporomandibular disorder, irritable bowel syndrome, lower back pain, tension headache, atypical face pain, non-cardiac chest pain, insomnia, palpitation, dyspepsia, and dizziness. General overlap exists between this term, somatization, and somatoform.


Robert Wayne Pearce, P.A. is investigating and representing investors nationwide that were sold steepeners, which are notes or CDs that pay varying levels of interest depending on the steepness or flatness of the yield curve. When the yield curve flattened in 2018, these steepeners rapidly declined in value and either stopped paying interest or paid much less interest. In 2019, the yield curve inverted and short term interest rates rose to a higher level than long term interest rates. This yield curve inversion caused even more losses. The negative impact on investors in the following types of structured products has been significant: Structured CDs, Market-Linked CDs, Leverage Callable CMS Curve Linked Notes, Callable Quarterly CMS Spread-Linked Notes, Callable Variable Rate Range Accrual CDs, Callable Interest Rate Spread CDs, Callable CMS Spread Notes, and Senior Callable CMS Steepener Notes.Continue Reading
Trident Partners Ltd. has submitted a Letter of Acceptance, Waiver, and Consent (AWC) in which it has been censured and fined $50,000 by the Financial Industry Regulatory Authority (FINRA) for failing to adequately supervise the sales and suitability of steepeners, a complex, structured product. Trident Partners, headquartered in Woodbury, New York, was found by FINRA to have failed to establish, maintain, and enforce a supervisory system to ensure that recommendations for its sale of steepeners were suitable. Steepeners are complex, structured products that are typically longer-term notes and certificates of deposit with maturities spanning from 10-30 years. They are typically callable by the issuers after a short, pre-specified time. They pay higher interest rates, but if the steepener is not called after a year, the rates can drop to as low as zero, earning no returns for the remainder of the term. FINRA found that during the relevant period, steepeners were a significant part of Trident Partners’ business, with approximately 1,600 transactions and accounting for at least 10% of commissions generated.Continue Reading


By
Chris
It is well established that feedback is shared in a timely way, in healthy feedback cultures. There is also an expectation that performance reviews and appraisals will be more than a tick box exercise.
Strevas works with reviewers and reviewees to enable them to get the most out of the appraisal process. We’ve been supporting reviewees to take ownership of the process and take advantage of the opportunity it presents. We’ve been encouraging reviewers to adopt a coaching approach and deliver feedback in a way that is specific and constructive.
In our interactive workshops, lawyers and business services professionals, at all levels, hone their skills, both to deliver and receive feedback and cultivate healthy working relationships.
Is virtual the new norm?
Most of our clients now carry out review, feedback and appraisal conversations virtually and this is likely to remain as an established new norm, as we work our way out of the pandemic. It will, in any event, continue to apply to professionals travelling less, whilst collaborating across international offices. Our live, interactive workshops online, align with this reality. They provide the opportunity to work on skills, where ‘face to face’ contact, body language and voice variations are experienced or interpreted through visual and auditory media.
The wisdom of preparation
Busy professionals have so much to juggle. Most of us remember heading into reviews or appraisals, on the hoof. Yet, there are great benefits in taking time to prepare, for both reviewer and reviewee. Most appraisal systems include clear guidelines on preparation, yet we still often find this is the road less travelled.
Setting up for success
We look at three stages:
before the conversation: preparing for a constructive meeting, in which both parties are well informed and approach it with a positive mind set and are clear about what they want to achieve. during the conversation: establishing a collaborative meeting, making the most of feedback and managing any emotional responses. wrapping up: leaving the conversation with agreed goals, action plan and follow up, with the reviewee having the confidence and motivation to move forward.
Much value, both to the organisation and the individual, is gained by cultivating a healthy feedback culture, where challenging conversations - if needed - are not avoided but, rather, are seen as an opportunity for growth. This is particularly so, where the environment is experienced as supportive, enabling good performance, addressing career aspirations and promoting wellbeing.


The Finnish company Jokasafe uses renewable BIOVYN biovinyl for its protective gloves. BIOVYN is made using UPM BioVerno naphtha. The renewable raw material for UPM BioVerno naphtha is crude tall oil, a pulp-making process residue. The wood-based UPM BioVerno naphtha is produced in the UPM Lappeenranta Biorefinery in Finland.
Biovinyl gloves have the same protective properties as gloves made from fossil vinyl and can be used several times depending on the target.
By using UPM BioVerno naphtha the carbon footprint of vinyl plastic is reduced up to 74% compared to fossil-based raw materials. To bring the benefits of certified, 100% biobased UPM BioVerno naphtha to as many producers as possible, the principle of mass balance is used, enabling gradual increase in the share of renewable material. UPM BioVerno naphtha is ideal for replacing fossil raw materials in various products such as textiles, plastics, glues or label materials.


Furnace maintenance helps you avoid expensive repairs. Twice-yearly HVAC maintenance will keep the system running and help it consume less energy so that you can save money on energy bills.
Air Repair Pros is an experienced heating contractor that offers HVAC maintenance services at the most affordable prices. For instance, you can benefit from the Comfort Club, a unique program designed for Collin and Denton Counties residents.
With a Comfort Club membership, you will receive two free semiannual maintenance visits to optimize your HVAC equipment and prevent mechanical failures before they become more significant problems needing expensive repairs.
Reduce Furnace Failures
During the cold winter months, it is essential to have a properly installed furnace system. It will keep your home warm and maintain the proper temperature in the indoor space. A qualified Air Repair Pros technician can regularly inspect your furnace and ensure it is clean and running optimally.
Proper Safety
Whether it uses oil, propane, or natural gas, a furnace burns fuel to produce warm air in your home, generating carbon monoxide (CO) gas. A small crack in the furnace system can cause leakage of this deadly gas. Regular furnace maintenance will protect your family by minimizing the potential for leaks.
High Performance and Low Energy Consumption
A well-maintained furnace system provides the right amount of airflow throughout your home. It will also consume less energy, which means lower energy bills. A qualified technician will clean the system of dust, dirt, and other debris.
Proper airflow is vital for your family’s comfort. The low performance and malfunctioning of the system can shorten its lifespan. Restricted airflow makes the system work harder and puts pressure on all its components, leading to increased repairs and higher energy consumption.
Extend Furnace Lifespan
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SINGAPORE:
AM Best is maintaining a negative market segment outlook on India’s non-life insurance market, supported by key factors that include continued reliance on realized and unrealized investments gains to offset technical losses, potential short-term disruption from regulatory enhancements and persistently competitive and underperforming core business lines of motor and agriculture.
As detailed in a new Best’s Market Segment Report, titled “Market Segment Outlook: India Non-Life Insurance,” India’s non-life insurers have been one of the main beneficiaries of the country’s fast-growing economy, and the industry has seen a substantial increase in insurable risks, largely driven by compulsory agriculture insurance.
However, heavy competition and cumbersome regulatory hurdles for product development hinder technical performance, with most companies relying on strong investment income derived from the exceptional performance of Indian equities, which have shown sustained outperformance relative to global indices.
The market’s combined ratios has fluctuated between 110 and 125 over the past five years, and most insurers have become dependent on investment income to generate profitability. The sustainability of such earnings may put the long-term viability of many insurers into question.
Motor insurance, which consists of own damage and third-party liability (TPL), continues to dominate the non-life insurance market, generating about 40per cent of premium volumes. Market results indicate that the segment’s incurred loss ratio has improved over time. However, the size of the reserves for this line relative to capital remains very significant.
Although insurers have strengthened reserves in recent years, concerns about the prudency and potential for tail development remain, given that some claims may get caught up in India’s slow-moving court system. Unfavorable reserve adjustments have the potential to significantly impact current performance and capital even more so, given the lack of profitability in many other lines.
A mandatory crop insurance scheme, launched in 2016 to provide insurance coverage to farmers, has provide a premium boost to non-life insurers, catapulting agriculture premiums to Rs20.6 billion in fiscal-year 2017 from Rs 5.3 billion in fiscal-year 2016. However, the scheme recently has come under criticism due to volatile loss ratios given the wide variances between the country’s two main cropping seasons, as well as reported numerous delays on claims settlements.
Despite the negative outlook, AM Best recognizes that some non-life insurers still may experience growth. The profitability and capital strength of companies that demonstrate sound risk management practices and disciplined underwriting likely are to improve steadily.


Abstract: Practices of ethical leadership in public relations can be context-specific and they can influence organizational effectiveness. By conducting a national survey, this study examines female public relations professionals’ perspectives on ethical leadership. The results suggest that female professionals feel ready and confident in providing ethics counseling as needed. Public relations leaders’ ethical conduct help reinforce female professionals’ ethical practice. Female professionals indicate it is necessary to use multiple strategies to build and enact influence as an ethical leader in public relations. Theoretical and practical implications are discussed.


The Nigerian Police Force (NPF) is set to collaborate with the Premier Agribusiness Academy (PAA) in training officers on agribusiness as part of the preparation for their retirement.
Toromade Francis, director-general, Premier Agribusiness Academy made this known shortly after a collaboration meeting with AIG Aishatu Abubakar, who also doubles as President Veterinary Council of Nigeria (VCN), and CSP Taariminge Zirrah Faive, head of administration -Force Animal Branch, Department of Operations at the Force Headquarters in Abuja recently.
According to him, the training is necessary to adequately prepare and equip police officers who are willing to engage in farming activities after their retirement. He added that, without proper training, officers may struggle to succeed in the trade or could be swindled as they do not have prior knowledge or understanding of agribusiness.
He intimated that once all modalities for the partnership have been concluded, PAA will train officers on all aspects of agribusiness including poultry, agronomy (maize, soybean, and cassava among others), and aquaculture.
Source: BusinessDay


Abstract
Objective: To understand how people engage with websites containing patient authored accounts of health and illness. To examine how people with asthma navigate their way through this information and make use of the patient experiences they find. Methods: Twenty-nine patients with diagnoses ranging from mild to severe asthma were shown a range of websites, some containing patient experiences, and selected two sites to explore further. They discussed their choices in a series of focus groups and interviews. Results: Participants were influenced initially by the design quality of the sites and were subsequently drawn to websites containing patient experiences but only when contributions were from similar people offering ‘relevant stories’. The experiences reminded participants of the serious nature of the disease, provided new insights into the condition and an opportunity to reflect upon the role of the disease in their lives. Conclusion: For people with asthma websites containing other patients’ personal experiences can serve as a useful information resource, refresh their knowledge and ensure their health behaviours are appropriate and up-to-date. Practice Implications: Health professionals should consider referring asthma patients to appropriate websites whilst being aware that online experiences are most engaging when they resonate with the participants own situation.


In a recent study, a group of researchers from Hebrew University-Hadassah Medical School, Feinberg School of Medicine, and Tel Aviv University examined astrocytes in mice and found that these cells exhibited a senescent phenotype that led to neurodegeneration and neurotoxicity [1].
Age-dependent increase in senescent astrocytes adjacent to Aβ plaques
Cellular senescence, discovered in 1961 by Leonard Hayflick and Paul Moorhead, is a state in which cells no longer perform their functions, instead emitting harmful chemicals that turn other cells senescent… These cells are caused primarily by telomere shortening and DNA damage, they are known to contribute to many diseases, and this is not the first study that links them to neurodegeneration.


In an effort to support all players in the SME Eco-system, the Ceylon Chamber of Commerce (CCC) recently held a National SME Forum in collaboration with public, private and Non-Governmental sector organizations engaged in SME Sector development.
This virtual engagement initiated high level policy discussions with an aim to accelerate economic growth through creating a dynamic SME sector. The forum was held on August 28, 2021 via the zoom platform under the theme ‘Accelerating economic growth through creation of a dynamic SME sector’ in Tamil language.
The Small and Medium Enterprise (SME) sector is identified as a strategic sector in the overall policy objectives of successive Governments and it is seen as a driver of change for inclusive economic growth, regional development, employment generation and poverty reduction. SME sector is envisaged to contribute to transform lagging regions into emerging regions of prosperity.
The Ceylon Chamber of Commerce strongly believes that the SME sector can make a significant contribution towards achieving the macro-economic targets placed for 2020-2025 under the National Policy Framework, ‘Vistas of Prosperity and Splendour’.
The ‘Sri Lanka Economic Acceleration Framework 2025’ formulated by the Chamber also identifies the SME sector as a strategic sector in the Sri Lankan economy and has proposed a series of actions for SME sector Development.
The Ceylon Chamber of Commerce has established the Centre for SMEs as the focal point for facilitation for all SME/Entrepreneurship Development initiatives of the Chamber in order to support the National Vision of creating a dynamic SME Sector.
National SME Forum had an inaugural session followed by 4 thematic sessions focused on critical issues pertaining to SME sector development. The forum was inaugurated by Vish Govindasamy – Chairman, The Ceylon Chamber of Commerce and the keynote address was delivered by Sivakrishnarajah Renganathan – Managing Director, Commercial Bank of Ceylon PLC.
The inaugural session further highlighted the Government’s efforts and measures taken to uplift the SME sector and lead up to five timely sessions featuring industry experts and thought leaders representing various fields of expertise.
The forum covered critical areas such as access to finance to invest in modernization, expansion and successful operation while addressing issues pertaining to demand and supply, facilitation of accessing suitable markets for products and services focussed on increasing exports and the use of digital marketing, promotion of new technology transfer and innovation, use of digital technology which can enhance performance and opportunities for SMEs, as well as the role of chambers in regional SME development.
The National SME Forum was sponsored by Facebook and Peoples Bank. The electronic media partner was DAN TV.


First published by the University of South Carolina in 1952,
Ersatz in the Confederacy remains the definitive study of the South's desperate struggle to overcome critical shortages of food, medicine, clothing, household goods, farming supplies, and tools during the Civil War. Mary Elizabeth Massey's seminal work carefully documents the ingenuity of the Confederates as they coped with shortages of manufactured goods and essential commodities—including grain, coffee, sugar, and butter—that previously had been imported from the northern states or from England. Creative Southerners substituted sawdust for soap, pigs' tails and ears for Christmas tree ornaments, leaves for mattress stuffing, okra seeds for coffee beans, and gourds for cups. Women made clothing from scraps of material, blankets from carpets, shoes from leather saddles and furniture, and battle flags from wedding dresses. Despite the Confederates' penchant for "making do" and "doing without," Massey's research reveals the devastating impact of war's shortages on the South's civilian population. Overly optimistic that they could easily transform a rural economy into a self-sufficient manufacturing power, Southerners suffered from both disappointment and hardship as it became clear that their expectations were unrealistic. Ersatz in the Confederacy's lasting significance lies in Masseys clearly documented conclusion that despite the resourcefulness of the Southern people, the Confederate cause was lost not at Gettysburg nor in any other military engagement but much earlier and more decisively in the homefront battle against scarcity and deprivation.
Mary Elizabeth Massey (1915–1975) taught history at Wintrop College, where she also served as department chair. She was a Guggenheim Fellowship recipient and one of the first women officers of the Southern Historical Association and the Mississippi Valley Historical Association.


Modern athletes are not required to specialize in a single sport or conform to a particular mold. Instead, we live in a period when fitness encompasses a variety of sports and comes in numerous forms.
To obtain a fit figure, you must adhere to a specified exercise regimen, eat well, and avoid junk food and alcohol as you relax browsing through NFL picks.
The primary objective is to lose fat, gain muscle, become more robust, and attain a lean, well-defined figure. Here are some training recommendations and a workout schedule that will help you train like an expert;
Squats
In all sports, athletes rely heavily on their legs, making squats one of the finest exercises for athletes.
Front and back squats are the most popular and beneficial for athletes. The most effective way to perform squats is with your heels on the ground at a 90-degree angle.
Lower-body athletes must perform goblet squats, but remember that heavier squats require more time to recover. In addition, you gain a more excellent range of motion in the hips, which is advantageous in any sport. Lastly, they strengthen your quads and joints.
Sprints
Every athlete will agree that maintaining a low body fat percentage is essential for peak performance, and sprinting is an excellent technique.
Do you believe you are unfit for running? Don’t fret over it. You do not need to race on a treadmill for hours to reap the benefits. Add 10 minutes to the end of your workout by sprinting at maximum effort for 30 seconds and then resting for 30 seconds as you enjoy daily NFL predictions.
Lunges
Every athlete trained will have performed lunges at some point in their lives.
Lunges increase muscle mass, which assists in building strength and toning the body, especially the core, buttocks, and legs. Body sculpting will improve your appearance, posture, and range of motion.
Athletes benefit greatly from this essential yet vital maneuver.
In general, the more muscle groups utilized in a single activity, the more muscle is built, and the more fat is lost.
Deadlifts
The deadlift is another workout that may assist athletes in increasing their speed.
A typical complex weight training exercise, the deadlift consists of taking up a weight from the ground and standing back up by bending at the waist and hips.
For the deadlift and its variations, you must stoop, maintain a straight and neutral back, grasp the weight, and drive your feet into the floor. Lift the weight off the floor using your glutes, hamstrings, and quads.
For deadlifts and squats, you need a barbell. However, many experts advise purchasing a workout platform to avoid damaging the floor.
The deadlift is an excellent exercise for increasing functional strength since it engages the major lower-body muscles. In addition, they teach you how to safely pick up objects from the floor, which is an essential life skill.
Planks
Every serious athlete knows that a strong core is necessary for success in their sport. Yet, many continue to believe that crunches are the ideal approach to building the abdominals. The plank is the most effective exercise if you want to locate your abs’ genuine star.
Start with 30-second planks and gradually increase their duration. Try side planks to strengthen your obliques, or swap from your hands to your forearms as you hold the plank position.
What To Observe When Exercising
It is essential to warm up before exercising. A warm-up prepares the body for exercise. It increases blood flow to the muscles and the body’s temperature. Warming up reduces the likelihood of injury and stiff muscles.
It is easy to train excessively. When you exercise without a break, your muscles have little opportunity to heal. This renders you less efficient and exhausted. It frequently causes mood swings and increases the likelihood of getting injuries. People refer to this issue as overtraining syndrome or burnout. Allow yourself time off.
Water is essential for proper muscle function. In addition, it regulates the body’s temperature, lubricates the joints, and delivers nutrients to the cells. When you don’t take enough water, your body feeds on the toxins in your gut, which saps your vitality and leaves you tired.
Creating a balanced nutrition plan based on a high-protein, good-fat, whole-grain diet low in sugar and synthetic chemicals may be even more crucial to this improvement.
Focus on functional exercises such as the bench press, deadlift, front squat to press, renegade rows, and kettlebell swings to strengthen your primary and secondary muscles.
Additionally, compound exercises help burn more fat and transform your body more rapidly than exercises that target a single body area. You may enjoy them while on your NFL expert picks.


Key Takeaway
The S&P 500 held support around its 100-day moving average ($4,500) last week and rebounded nearly 5% toward prior highs. We also noticed an improvement in short-term breadth, or the percentage of stocks trading above their 200-day moving average, rising from 55% to 70% over the past two weeks.
Still, breadth has been consistently weak throughout the year, suggesting that many stocks have lagged behind the broader market uptrend. There has been a slight defensive tone during last week’s rebound as consumer discretionary underperformed consumer staples. Our indicators continue to suggest moderate risk positioning, so we will remain selective among stocks and sectors.
Percent of S&P 500 Stocks Above 200-Day Moving Average
Source: Cannon Advisors, StockCharts data


What anchors you in the challenges of life?
A dictionary definition states that an anchor is “a person or thing that provides stability or confidence in an otherwise uncertain situation.”
Challenges
Many years ago, I recall abseiling (rappelling) for the very first time in St. George, southern Utah, from a cliff, several hundred feet high. Approaching the edge of the precipice, I was filled not only with excitement, but a great deal of anxiety too. I had a range of equipment, ropes and carabiners, plus some expert guides on hand to ensure my safety – in essence, my anchors that day. Their goal was a safe, exhilarating experience – by overcoming a significant challenge. They employed techniques and equipment that was tried and proven, allaying the dangers of the situation. The next few moments were exhilarating and thrilling as I edged backwards over the cliff, descending to the canyon floor.
Values
The challenges of life are all around us. In our topsy turvy commotion filled world, all that can be shaken is being shaken. Individuals, families and organisations need anchors too. Life has a way of testing our anchors or values causing us to drift from the safety and protection they provide.
What anchors me are those things I cherish and value most of all. How about you?
Establish your values and choose to anchor yourself to them – by living and appreciating them daily. Therein lies safety, protection and peace of heart and mind.